Brazil Injects R$21 Billion Federal Credit to Boost Small Businesses in 2025
Federal programs ProCred and Pronampe have funneled R$21 billion into Brazil's micro and small businesses by September 2025, complementing local efforts to boost economic growth and job creation.
- • Federal programs ProCred and Pronampe mobilized R$21 billion in financing for over 341,000 small businesses by September 2025.
- • Pronampe provided R$18.4 billion in loans with a delinquency rate of 0.7%, primarily benefiting 257,424 companies.
- • ProCred 360 targeted microenterprises with R$2.6 billion in credit support.
- • Sao Paulo, Bahia, and Rio Grande do Sul led regions in credit volume distributed.
Key details
Brazil's federal government has mobilized R$21 billion in financing to support micro and small businesses through the ProCred and Pronampe programs this year, highlighting a robust effort to sustain economic activity and preserve jobs during the country's recovery phase. By September 2025, these programs had supported 341,000 companies via 369,000 credit operations, according to a report from the Ministry of Entrepreneurship, Microenterprise, and Small Business.
Pronampe stands out as the main source of credit for small enterprises, facilitating R$18.4 billion in loans across 257,424 companies with an exceptionally low delinquency rate of 0.7%. Meanwhile, ProCred 360 specifically targeted microenterprises, injecting R$2.6 billion. The repayment capacity of entrepreneurs remains strong, with overall loan delinquency under 1%, indicating sustained financial health among beneficiaries.
São Paulo leads in credit volume with over R$4.7 billion disbursed, followed by the northeastern state of Bahia and the southern state of Rio Grande do Sul, each with contracts exceeding R$1 billion. The widespread distribution of funds underscores the federal programs' nationwide impact.
Complementing these federal efforts, local stories like that of Eliane Alves in Figueirão, Mato Grosso do Sul, illustrate how small businesses activate local economies and catalyze entrepreneurial growth. Eliane, founder of Trecos e Tarecos, improved her business through Sebrae's Programa Cidade Empreendedora, which also helped her take on community leadership roles. Such initiatives amplify the vital role of micro and small businesses, which are responsible for more than 80% of formal jobs in Brazil.
Sebrae's recent campaign, "Compre do Pequeno," launched around the Day of Micro and Small Enterprises on October 5, encourages consumers to support small local businesses to strengthen communities and improve quality of life. These partnerships between consumers and entrepreneurs foster mutual benefits, including job creation and economic resilience.
Together, federal credit programs and community initiatives illustrate a comprehensive approach to empowering small enterprises and revitalizing Brazil's local economies in 2025.